Here’s some opposite advice: buy the watch now, more expensive things later. Here’s the reason: it’s pretty easy to save up let’s say 10k without it impacting your finances, often more difficult to justify a 10k splurge later when you have more responsibilities. You’ll always be able to rationalize putting it off to be more responsible. There will always be “better” ways to spend that 10k down the line, especially if you get married, have children, or purchase a home. In the long run, the 10k is nothing compared to the demands from those expenses, so if you spend it now, you’ll essentially forget that expense before you start really having to sink money into the “important” things later. That said, it shouldn’t impact your current financial situation in the slightest, that would be dumb. Take a small amount you wouldn’t notice missing, put it into an account and just skim your income a bit every month and add it to your “fund”. In a little while, you’ll have the cash to buy what you want without any sacrifices. There are so many people I know that always wait to be “financially secure”, but their expenses necessarily ascend along with their income so it’s always a race and there’s always car expenses, home expenses, schools, family vacations, illnesses, investments, etc that will be legitimate reasons to allocate resources in those directions. Besides, you’re young, get a nice watch now, be thankful that you can obtain one. Have fun, own it for fifty years. You’ll probably buy several more in your lifetime and if you’re financially successful your 10k will be a wonderful reminder of where you started, and if you’re not, you’ll always have a wonderful watch anyway. Obviously don’t go in debt for it, and do your research. Best of luck and hope you get something you’ll treasure for your entire life.